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Mobile Insurance

Learn about Mobile Insurance from Spark

You’re good to go when you add Spark Mobile Insurance. 

Mobile Insurance is only available for Spark network approved phones on current Pay Monthly plans with Spark. See Spark's Mobile Insurance policy

What's covered?

Spark Mobile Insurance covers your phone, battery, charger and SIM card. It includes:

Accidental damage

Includes repairs or replacement, depending on severity. Accidental damage is physical damage or destruction of your mobile by an unforeseen event. Excess applies.

Accidental loss or theft

Up to $1,000 of unauthorised usage made on your mobile in New Zealand. Includes replacement of mobile phones. Conditions apply. Up to $500 cover for temporary mobiles while you're overseas. Excess applies.

How to get Mobile Insurance

You can get Mobile Insurance when you buy a phone. 

If you already have a phone you bought from Spark, you can sign up for Mobile Insurance. Check eligibility for Spark Mobile Insurance

How much is Mobile Insurance?

  • $11.95 per month for mobiles that cost up to $799. There’s an excess of $150.
  • $15.95 per month for mobiles that cost $800 or more. There’s an excess of $195.

Prices are GST inclusive.

How do I make Mobile Insurance claims?

Your Policy Document will cover Exclusions in full, but some of the events which aren't covered are if:

  • Your mobile is left unattended out of your sight, possession or control;
  • Your Spark SIM wasn't in your mobile;
  • Your mobile is stolen, intentionally damaged, misused or abused by you, your spouse, partner, relatives or people who you live with;
  • The loss, damage or theft happened after you gave, lent or sold the mobile to someone other than an immediate member of your family who's aged sixteen years or older. Or, if you're a company, to someone other than a full time employee of your company;
  • The loss, damage or theft happened while the mobile was in the possession of, or being used by, someone under the age of sixteen years;
  • The loss or damage is caused by operator error, software, reformatting or recovery of data, viruses, integration with other products, or any fault arising from any of those things;
  • The claim is for non operating or cosmetic faults, wear and tear, depreciation or arises from improper storage;

If you find your mobile before or after any claim payment, you must let us know and get it back to us. We may recover all claim payments made and all our associated costs if you don't.

If you change your mobile, it's up to you to get in touch and reapply for cover for your new mobile. If you don't let us know about the change we might turn down your claim.

Using your SIM in connection with an uninsured mobile doesn't transfer the insurance cover to that mobile. 

If you change your mind within the first 30 days then you can contact us and we'll refund your premium (unless you've already made a claim) and cancel your policy.

Mobile insurance is offered by Teleco Insurance (NZ) Ltd. Teleco Insurance (NZ) Limited received a Standard and Poor's Pty Limited financial strength rating of BBB+/Stable/-- on 14 December 2018. The rating* scale is described below.

*Ratings from AA to CCC may be modified by the addition of a plus (+) or minus (-) sign to show relative standing within the major rating categories.

Teleco Insurance (NZ) Ltd has a standard complaints process and is a member of the Financial Dispute Resolution scheme (an independent dispute resolution scheme for the NZ financial industry). As a requirement of section 4.5 of the Solvency Standard for Non-life Insurance Business 2014, issued by the RBNZ under section 55 of the Insurance (Prudential Supervision) Act 2010, Teleco Insurance (NZ) Ltd is required to disclose its actual solvency capital, minimum solvency capital, solvency margin and solvency ratio. The most recent annual solvency return, as at 30 June 2019, reported actual solvency capital of $43.834 million, minimum solvency capital of $27.826 million, solvency margin of $16.008 million and solvency ratio of 158%. The calculations were made by our Appointed Actuary, Michael Playford FNZSA.